| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALSH CARTER AND ASSOC. INS. SVCS.3 Filed as: WALSH CARTER AND ASSCTS. INS SVCS | 423 WASHINGTON STREET SUITE 500 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 2.44% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS, LLC. | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $6K | $6K | 205.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 125 | $1.0M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 512 | $233K |
| Vision | VISION SERVICE PLAN | 267 | $35K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 350 | $262K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 350 | $262K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 350 | $262K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 125 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.